Complete guide to public liability insurance. Learn what it covers, how much it costs, real-life claim examples, and how to get the best quo
🛡️ Public Liability Insurance: What It Covers & Why You Need It
Picture this: A client trips over your equipment at a job site. Breaks their wrist. Needs surgery. They sue.
Without public liability insurance, you pay everything out of pocket. Medical bills, legal fees, settlements – potentially $50,000 to $500,000+.
Here's what you need to know 👇
What it covers:
✅ Bodily injury to third parties
Customer slips on wet floor
Client trips over equipment
Passerby hit by falling object
Delivery driver injured on your premises
✅ Property damage to third parties
Work van backs into client's fence
Water leak damages neighboring business
Welding spark burns client's carpet
✅ Legal defense costs
Attorney fees, court costs, expert witnesses
Applies even if the lawsuit is frivolous
What it does NOT cover:
❌ Employee injuries – that's workers' comp (required by law) ❌ Professional negligence – that's errors & omissions (E&O) insurance ❌ Auto accidents – that's commercial auto insurance ❌ Damage to your own property – that's commercial property insurance ❌ Intentional acts – insurance is for accidents only
Who needs it?
Contractors & tradespeople
Retail store owners
Freelancers who meet clients on-site
Anyone with a physical business location
Anyone whose work could injure the public
Pro tip: Many clients require proof of public liability insurance before hiring you. It's not just protection – it's a business necessity.
Full breakdown + policy limits guide in the link in bio 👆
Do you carry public liability insurance for your business? 👇🛡️
